Catherine Falls Commercial/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Business owners with bad credit can explore online lenders, the U.S. Small Business Administration and Community Development Financial Institutions. Business loans are still available for owners with bad credit, although they may face higher interest rates and fees. Carefully consider all…
Key takeaways A manufactured home is a prefabricated house that’s built in a factory and then installed on a plot of land. They cost much less than traditionally built homes, so they can be appealing to budget-conscious buyers. But they can be difficult to finance, and their value does not…
Key Takeaways Create a realistic monthly budget that accounts for essential expenses. Cut back on non-essential spending and save for emergencies. Pay down high-interest credit card debt first. Monitor your credit and financial habits regularly. Get help from a nonprofit credit counseling agency like ACCC. If you’re trying to…
Coinbase is one of the largest and most well-known crypto exchanges, offering a lot of features that traders may find valuable. Crypto-only traders may find Coinbase to be a solid option if they’re using the advanced tier that comes with competitive pricing, though low-level fees have risen lately. Coinbase has…
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Many people in economics, finance, business, and regular consumer life have been waiting for the forecast inflation, the tariff shock,…
San Francisco-based Chime, the largest digital bank in America, wants to go public at a price between $24 and $26…
The Trump administration is clamping down on federal student loan defaults; at the same time, Republican lawmakers in Congress just…
A practice of Elon Musk and Tesla’s board raises questions about the company’s governance and the possible low valuation that…
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Name: Melaina Cano Firm: Merrill Wealth Management Location: Irvine, CA Team Assets (Custodied): $329 million Background: Melaina Cano’s passion for investing was sparked early by her paternal grandfather, a first-generation Mexican American engineer who meticulously tracked his investments and taught her the value of financial…
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Key takeaways Using a personal loan to pay off credit card debt could be a smart move if you can secure a lower…
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OBSERVATIONS FROM THE FINTECH SNARK TANK JPMorgan Chase notified fintech data aggregators that, starting later this year, it plans to charge for access…
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Key takeaways It’s important to prioritize your financial goals and make a plan for your bonus money before it arrives. A bonus can be a great opportunity to pay off debt, contribute to retirement accounts, or invest in an index fund. Using your bonus for self-improvement, such as learning a…
Key takeaways Inform your card issuer before your trip, so your card spending won’t be flagged as suspicious. Make sure to take more than one card with you and choose cards that offer travel rewards and benefits — and no foreign transaction fees. Stay alert, watch out for card skimming…
Key takeaways The most common types of car loans include options from banks and credit unions, dealership financing and — if you don’t have a low rate — auto loan refinancing. Most auto loans tend to be secured, meaning the vehicle is collateral, but there are some unsecured personal loans…
One of the biggest questions for those about to retire is when to take Social Security. But when it comes to filing for benefits, cheating off your neighbor may be the worst choice you could make. That’s because most Americans are reducing their total lifetime benefit by filing earlier than…
Thomas Barwick/Getty Images Key takeaways The Hilton Honors American Express Card is Hilton’s only no-annual-fee card. This card is a solid choice for people who prefer staying at Hilton properties, but might not do so often enough to justify paying an annual fee. One of the top benefits…
By age 40, many people begin to evaluate whether their retirement savings are on track. While there’s no single benchmark that fits everyone, national data offers a reference point. Factors like income, years in the workforce and access to retirement plans all influence how much someone may have saved by…
Americans owe a near-record $1.209 trillion on their credit cards, according to the New York Fed’s latest Quarterly Report on Household Debt and Credit. That’s up $27 billion (2.3 percent) from last quarter and $67 billion (5.9 percent) from a year ago. The all-time record is $1.211 trillion from Q4…
Key takeaways A collision deductible waiver (CDW) is an optional endorsement that covers your deductible if you’re hit by an uninsured driver and must use your collision coverage instead of their liability insurance to file a claim. CDWs may not cover certain types of situations, such as hit-and-runs, partial-fault accidents…
You may be well into your career by age 35 but still years away from retirement, making it a common checkpoint for assessing your 401(k) progress. According to Fidelity, the average 401(k) balance for people in their mid-to-late thirties was $73,200 at the end of 20241. But averages don’t tell…
Nitat Termmee/Getty Images Key takeaways Whole life insurance is a type of permanent life insurance policy designed to provide coverage for the entirety of your life — technically to a maximum age of 95 to 121 — as long as you pay the premiums. The cost of whole life insurance…
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